so it's probably no surprise that back in 05, hurricanes katrina and rita drained the fund and plunged the program $18 billion into debt. it's debt congress planned ton forve, bufohasn't yet. that leaves the program on poor financial footing with only about $4 billion worth of fundsh available for claims related to sandy. >> from what i've seen, this could be a $5 billion to $10 billion flooding event, so more than likely, the program will have to go to congress to get additional borrowing authority. >> reporter: former program administrator david maurstad says the program will probably have to turn to congress for help paying claims. >> it's still an obligation that our government said we're going to have this program-- "you buy a policy, we're going to take care of it."dm and i have every confidence t believe that that will happen. there will be some mechanics that will be involved, possibly, depending on how large of an event this turns out to be. >> reporter: what could be a bigger problem are the number of people affected who don't have flood insurance. generally, fewer people in